{"asOf":"2026-07-28T21:54:06.968Z","block":"400-499 SEPVIVA ST","blockUrl":"https://philadelphia.blockreport.homes/block/400-499-sepviva-st","address":"428 SEPVIVA ST","parcelNumber":"181472600","source":"https://property.phila.gov/?p=181472600","ownerType":"absentee","kind":"house","isHouse":true,"home":true,"commercial":false,"residential":true,"taxExempt":false,"institutional":false,"buildingCode":"O50","buildingCodeNew":"22","buildingClass":"ROW 3 STY MASONRY","buildingClassNew":"ROW TYPICAL","useLabel":"House","owner":"TROY AMY E","coOwner":"PALMER CHRISTOPHER D","marketValue":468900,"landAssessment":93780,"improvementAssessment":375120,"livableArea":1278,"yearBuilt":1920,"lastSale":{"price":168000,"date":"2015-12-18T05:00:00Z"},"openViolations":0,"violations":[],"violationCases":[],"investigations":[],"taxOwed":0,"taxSnapshot":{"available":true,"asOf":"2022-06","matched":false},"taxDelinquencySnapshotAsOf":"2022-06","taxDelinquencySnapshotAvailable":true,"lat":39.97483065939108,"lng":-75.13206103868305,"geom":{"type":"Polygon","coordinates":[[[-75.13198571,39.974823081],[-75.132007105,39.974789314],[-75.132135384,39.974836409],[-75.132112737,39.974872243],[-75.13198571,39.974823081]]]},"liDistrict":"CENTRAL EAST","certifications":[],"cityRecordAvailability":{"violations":true,"investigations":true,"appeals":true,"certifications":true,"permits":true,"licenses":true},"zip":"19125","beds":3,"baths":null,"stories":3,"lotArea":640,"zoning":"RSA5","grade":"D","basement":"A","heater":"A","centralAir":true,"extCond":"4","intCond":"2","garage":null,"homestead":false,"mail":"2135 S 11TH ST, PHILADELPHIA PA, 19148","mailOut":false,"appeals":[],"taxYears":[],"taxNet":0,"taxLien":false,"taxLedgerThrough":2016,"taxLedgerAvailable":true,"timesSold":1,"abated":false,"assessmentExemption":false,"exemptionBasisVerified":false,"valueSeries":[{"y":2016,"v":133000,"taxable":103000,"land":9152,"improvement":123848,"taxableLand":9152,"taxableImprovement":93848,"exemptLand":0,"exemptImprovement":30000},{"y":2017,"v":133000,"taxable":133000,"land":39900,"improvement":93100,"taxableLand":39900,"taxableImprovement":93100,"exemptLand":0,"exemptImprovement":0},{"y":2018,"v":133000,"taxable":133000,"land":39900,"improvement":93100,"taxableLand":39900,"taxableImprovement":93100,"exemptLand":0,"exemptImprovement":0},{"y":2019,"v":167200,"taxable":167200,"land":50160,"improvement":117040,"taxableLand":50160,"taxableImprovement":117040,"exemptLand":0,"exemptImprovement":0},{"y":2020,"v":180100,"taxable":180100,"land":54030,"improvement":126070,"taxableLand":54030,"taxableImprovement":126070,"exemptLand":0,"exemptImprovement":0},{"y":2021,"v":180100,"taxable":180100,"land":54030,"improvement":126070,"taxableLand":54030,"taxableImprovement":126070,"exemptLand":0,"exemptImprovement":0},{"y":2022,"v":180100,"taxable":180100,"land":54030,"improvement":126070,"taxableLand":54030,"taxableImprovement":126070,"exemptLand":0,"exemptImprovement":0},{"y":2023,"v":428900,"taxable":428900,"land":85780,"improvement":343120,"taxableLand":85780,"taxableImprovement":343120,"exemptLand":0,"exemptImprovement":0},{"y":2024,"v":428900,"taxable":428900,"land":85780,"improvement":343120,"taxableLand":85780,"taxableImprovement":343120,"exemptLand":0,"exemptImprovement":0},{"y":2025,"v":477400,"taxable":477400,"land":95480,"improvement":381920,"taxableLand":95480,"taxableImprovement":381920,"exemptLand":0,"exemptImprovement":0},{"y":2026,"v":477400,"taxable":477400,"land":95480,"improvement":381920,"taxableLand":95480,"taxableImprovement":381920,"exemptLand":0,"exemptImprovement":0},{"y":2027,"v":468900,"taxable":468900,"land":93780,"improvement":375120,"taxableLand":93780,"taxableImprovement":375120,"exemptLand":0,"exemptImprovement":0}],"taxNow":6683,"familyHeld":false,"lastTransferNominal":false,"permits":[{"number":"635940","date":"2015-09-01","work":"Plumbing","type":"PP_PLUMBNG","description":"PLUMBING PERMIT","status":"COMPLETED","completedDate":"2015-09-09","scope":"LATERAL, CURB TRAP, FRESH AIR INLET, MAIN DRAIN - PA1# 2015-2441003 - \"SELF-CERTIFICATION'S ARE NO LONGER PERMITTED\" - \"ALL EXCAVATIONS AND PLUMBING TRENCHES IN EXCESS OF 5 FEET IN DEPTH MUST HAVE APPROVED SHORING IN PLACE AT THE TIME OF INSPECTION\""},{"number":"706521","date":"2016-09-14","work":"Zoning","type":"ZP_ZONING","description":"ZONING PERMIT","status":"COMPLETED","completedDate":"2016-09-14","scope":"FOR PARTIAL DEMOLITION OF REAR PORTION & FOR THE ERECTION OF AN ADDITION W. ACCESSORY USE ROOF DECK & ROOF DECK ACCESS STRUCTURE ABOVE & AT REAR OF EXISTING ATTACHED BUILDING; SIZE & LOCATION AS SHOWN IN APPLICATION. FOR USE AS HOUSEHOLD LIVING FOR A SINGLE-FAMILY."},{"number":"706526","date":"2016-09-14","work":"Addition","type":"BP_ADDITON","description":"ADDITION PERMIT","status":"EXPIRED","completedDate":"2019-09-06","scope":"DEMOLITION OF REAR TWO (2) STORY PORTION & THE ERECTION OF A THREE (3) STORY ABOVE GRADE PLANE, W. CRAWLSPACE & ROOFDECK, ADDITITON OF LIGHT-FRAME WOOD CONSTRUCTION BEARING ON NEW CONCRETE SHALLOW FOOTINGS & EXIST. MASONRY PARTY WALLS AT EXISTING RESIDENTIAL BUILDING (TOWHOUSE) ALONGSIDE ALTERATIONS THROUGHOUT EXISTING PORTION; BUILDING IS NOT FULLY SPRINKLERED. SEPARATE PERMIT REQ'D FOR ANY MECH., ELEC. & PLUMB. WORK. SITE TO BE EXCAVATED AT AREAS ADJACENT TO EXISTING STRUCTURE(S) NOT WITHIN THE SCOPE OF THIS PERMIT. PERMIT HOLDER TO NOTIFY OWNER(S) OF ADJOINING PROPERTY(IES) NO LESS THAN TEN (10) DAYS PRIOR TO COMMENCEMENT OF PERMITTED WORK."},{"number":"725966","date":"2016-09-30","work":"New Construction","type":"Electrical","description":"Electrical Permit","status":"Expired","completedDate":"2022-06-02","scope":"200 AMP SERVICE & REWIRE EXISTING 2 STORY HOME INCLUDING 3RD FLOOR ADDITION. 30 RECESSED LIGHTS, SWITCHES RECEPTACLES SMOKE CO DETECTORS PER 2008 NEC EAST DISTRICT"},{"number":"755653","date":"2017-01-31","work":"Plumbing","type":"PP_PLUMBNG","description":"PLUMBING PERMIT","status":"COMPLETED","completedDate":"2017-02-13","scope":"REPLACE WATER DISTRIBUTION PA20170301518 \"SELF-CERTIFICATION'S ARE NO LONGER PERMITTED\" - \"ALL EXCAVATIONS AND PLUMBING TRENCHES IN EXCESS OF 5 FEET IN DEPTH MUST HAVE APPROVED SHORING IN PLACE AT THE TIME OF INSPECTION\""},{"number":"788564","date":"2017-06-01","work":"Plumbing","type":"PP_PLUMBNG","description":"PLUMBING PERMIT","status":"COMPLETED","completedDate":"2018-09-24","scope":"ROUGH IN NEW STACK,KTICHEN DRAIN LINES AND WATER LINES ALSO ROUGH IN DRAIN LINES AND WATER LINES TO 2 FULL BATHS AND A DOUBLE SINK.THE INSTALLATION SHALL COMPLY WITH THE PHILADELPHIA PLUMBING CODE 2004"},{"number":"874399","date":"2018-05-07","work":"Mechanical","type":"BP_MECH","description":"MECHANICAL PERMIT","status":"EXPIRED","completedDate":"2019-09-06","scope":"INSTALL HVAC 60,000 BTU 92% EFF GAS FURNACE 2 1/2 TON AC WITH DUCTWORK"}],"storyTag":"New construction","storyDelta":null,"timeline":[{"y":2015,"k":"permit","w":"Plumbing"},{"y":2015,"k":"sale","p":168000},{"y":2016,"k":"permit","w":"Zoning"},{"y":2016,"k":"permit","w":"Addition"},{"y":2016,"k":"permit","w":"New Construction"},{"y":2017,"k":"permit","w":"Plumbing"},{"y":2017,"k":"permit","w":"Plumbing"},{"y":2018,"k":"permit","w":"Mechanical"}],"rented":false,"licenses":[],"licenseActivity":[],"businessLicenseSourceDate":"2026-07-27","signals":[{"kind":"permit-mismatch","level":"watch","title":"Assessment/permit mismatch","summary":"The assessment jumped 138% in 2023, but no matching permit appears in the property timeline.","evidence":["assessment moved from $180,100 to $428,900","no permit shown in 2022-2024"],"caveat":"Not proof of unpermitted work; reassessment, corrected data, or a permit under another parcel can also explain it."}],"legalChecks":[{"id":"permit-status","level":"attention","title":"A permit row needs file-level verification","finding":"3 permits not marked completed: 706526 (EXPIRED), 725966 (Expired), 874399 (EXPIRED). At least one row also carries a completion date, so the City fields conflict.","why":"Issued work is not the same as approved final work. L&I uses final inspections and required certifications to close construction permits; expired, withdrawn, and completed are different City statuses.","action":"Open the permit file and confirm final inspections, holds, and any resulting occupancy certificate.","url":"https://www.phila.gov/departments/department-of-licenses-and-inspections/inspections-by-permit-type/"}],"closingChecks":[{"title":"Property Sales Certification","body":"The seller must obtain Philadelphia’s certificate showing the base zoning, last use in the zoning record, and open violations. The City warns that it does not prove Building Code occupancy or show zoning overlays.","action":"Obtain the fresh certificate and compare it with the CO, permits, and Atlas overlays.","url":"https://www.phila.gov/services/permits-violations-licenses/get-a-certificate/get-a-property-sales-certification/"},{"title":"Date-effective City Property Payoff","body":"The Tax Center Property Payoff covers Real Estate Tax, Commercial Trash, and L&I abatement-work invoices. Philadelphia says it does not include business-tax debts or liens, water and sewer charges, or fines for code violations.","action":"Request the City statement effective through settlement; read every period and invoice.","url":"https://www.phila.gov/guides/philadelphia-tax-center/what-to-do/"},{"title":"Professional title and water-lien searches","body":"OPA ownership, deed summaries, and a zero tax balance are not clear title. Mortgages, judgments, municipal claims, water liens, easements, heirs, and other encumbrances require separate searches.","action":"Use a Pennsylvania lawyer/title company and obtain owner’s title insurance; order the separate water search/payoff.","url":"https://www.phila.gov/2026-04-07-why-title-insurance-is-your-best-friend-when-buying-a-home-in-philadelphia/","secondaryUrl":"https://www.phila.gov/services/water-gas-utilities/pay-or-dispute-a-water-bill/resolve-water-liens-judgments/"},{"title":"Seller-specific tax relief is not the buyer’s bill","body":"LOOP and low-income or senior Real Estate Tax freezes depend on the qualifying owner and continued program eligibility; a buyer cannot assume the seller’s capped or frozen bill continues. A separately verified property abatement often remains with the property for its remaining term, but program-specific new-owner filing, use, and tax-compliance conditions still must be confirmed—not inferred from the reduced assessment alone.","action":"Have Revenue or OPA identify every current benefit, model the buyer’s bill without seller-specific relief, and confirm any verified abatement in writing.","url":"https://www.phila.gov/services/payments-assistance-taxes/payment-plans-and-assistance-programs/income-based-programs-for-residents/apply-for-the-longtime-owner-occupants-program-loop/","secondaryUrl":"https://www.phila.gov/services/payments-assistance-taxes/taxes/property-and-real-estate-taxes/get-real-estate-tax-relief/tax-freeze/"},{"title":"Seller disclosure and independent inspections","body":"For a covered Pennsylvania residential transfer, obtain the statutory seller disclosure. It reports the seller’s knowledge; it is not a warranty, title search, code review, or substitute for inspections. Because OPA dates this building before 1978, separately obtain the required federal/City lead disclosures and any test results.","action":"Have the agreement and disclosure reviewed for this transaction’s coverage and exceptions.","url":"https://www.pa.gov/agencies/dos/department-and-offices/bpoa/boards-commissions/real-estate-commission"}]}